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HSBC Live+ (Previously Cashback) Credit Card: Elevate Everyday Spending

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helloworld

helloworld

TF Legend

Key Features​


1693581653195.png

  • 10% Cashback on Grocery, Dining & Food Delivery (MCC) :hamburger:
    • Categories: Grocery, Dining, Swiggy/Zomato & Food Delivery
    • Cashback cap: ₹1000 per statement (limit reached if spent ₹10,000) after that 0%.
  • 1.5% Cashback on All Other Spends :partyface:
    • No Cap on the cashback amount
    • Exclusions :shushing-face:
      • Fuel | Rent | Utilities | Government Transactions | e-Wallets | Insurance | Education | B2B Goods & Services | Jewelry | Charity | Toll Fees | Cash Advances | Outstanding Balance Payments | Card Fees & Other Charges
  • Additional Benefits :clapper-board::airplane:
    • BookMyShow: Buy 1 Get 1 Free on Saturdays (when booked through the app)
    • EasyDiner: 15% discount (up to ₹500, with a minimum spend of ₹2500).
    • Airport Lounge Access: 4 domestic lounge visits per year (no spend criteria)
    • Annual Fee: ₹999 (waived on spending ₹2 lakhs in a year)

Oct'24 Update: Cashback is credited in about 3 working days after the statement date.

Sample 10% Eligible MCCs (Reference Purpose Only):

1714499138175.png

Below stores has MCC 5411
1. DMart= 5411
2. Reliance Smart Superstore
3. JioMart (online)
5. Vijetha super market

Reliance Smart = Saw multiple posts mentioning different MCCs: 5722
Amzn Fresh = Saw multiple posts mentioning different MCCs: 5399
Flipkart Grocery = Ensure "Flipkart Grocery" (5411) on OTP Page.

6. Cashfree gateway = 5499
7. Swiggy = 5499
8. CountryDelight = 5499
9. Tatanue Food delivery = 5499
10. Tatanue Grocery = 5411
11. FTH Daily
12. Zomato
13. BB Daily

Mall Food courts, Nearby grocery stores, Supermarkets, Swiggy Instamart, EasyDiner, Restaurants, KFC, Dominos and DMart - working for 10% cashback (provided they have proper MCC).

Note: The transactions for each category are identified through Merchant Category Codes* (MCC), defined by the Network, e.g. Visa, MasterCard and RuPay.

This card is alternative to or as backup:

1.5% offline - Alternative to Ace 1.5% Card
10% grocery and food delivery (online) - Alternative to Airtel 10% Card
10% dining (offline) - Alternative to Zenth 5% Card

Exclusion MCC List:

1701620051864.png
1718468905805.png

Realistic Return %​

Note: An example scenario

Spend: 7000 per month (2k/3k Dining/Food, 4k/5k Grocery) = 84000
Paid annual fee: 1180
Get cashback: 8400
Return %: 8.5%

References:
 
Last edited:
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helloworld said:

Key Features​


View attachment 28260

  • 10% Cashback on Grocery, Dining & Food Delivery (MCC) :hamburger:
    • Categories: Grocery, Dining, Swiggy/Zomato & Food Delivery
    • Cashback cap: ₹1000 per statement (limit reached if spent ₹10,000) after that 0%.
  • 1.5% Cashback on All Other Spends :partyface:
    • No Cap on the cashback amount
    • Exclusions :shushing-face:
      • Fuel | Rent | Utilities | Government Transactions | e-Wallets | Insurance | Education | B2B Goods & Services | Jewelry | Charity | Toll Fees | Cash Advances | Outstanding Balance Payments | Card Fees & Other Charges
  • Additional Benefits :clapper-board::airplane:
    • BookMyShow: Buy 1 Get 1 Free on Saturdays (when booked through the app)
    • EasyDiner: 15% discount (up to ₹500, with a minimum spend of ₹2500).
    • Airport Lounge Access: 4 domestic lounge visits per year (no spend criteria)
    • Annual Fee: ₹999 (waived on spending ₹2 lakhs in a year)

Oct'24 Update: Cashback is credited in about 3 working days after the statement date.

Sample 10% Eligible MCCs (Reference Purpose Only):

View attachment 51953

Below stores has MCC 5411
1. DMart= 5411
2. Reliance Smart Superstore
3. JioMart (online)
5. Vijetha super market

Reliance Smart = Saw multiple posts mentioning different MCCs: 5722
Amzn Fresh = Saw multiple posts mentioning different MCCs: 5399
Flipkart Grocery = Ensure "Flipkart Grocery" (5411) on OTP Page.

6. Cashfree gateway = 5499
7. Swiggy = 5499
8. CountryDelight = 5499
9. Tatanue Food delivery = 5499
10. Tatanue Grocery = 5411
11. FTH Daily
12. Zomato
13. BB Daily

Mall Food courts, Nearby grocery stores, Supermarkets, Swiggy Instamart, EasyDiner, Restaurants, KFC, Dominos and DMart - working for 10% cashback (provided they have proper MCC).

Note: The transactions for each category are identified through Merchant Category Codes* (MCC), defined by the Network, e.g. Visa, MasterCard and RuPay.

This card is alternative to or as backup:

1.5% offline - Alternative to Ace 1.5% Card
10% grocery and food delivery (online) - Alternative to Airtel 10% Card
10% dining (offline) - Alternative to Zenth 5% Card

Exclusion MCC List:

View attachment 36549
View attachment 57533

Realistic Return %​

Note: An example scenario

Spend: 7000 per month (2k/3k Dining/Food, 4k/5k Grocery) = 84000
Paid annual fee: 1180
Get cashback: 8400
Return %: 8.5%

References:
Click to expand...
HSBC Live Plus is only given to salaried employees
or
self employed /professionals/ businessmen who have an account in HSBC Bank.

Even if you are self a self employed professional or businessman with very high income, you will not get this card, unless you have an account with HSBC
 
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Upvote 0 Downvote
1. Dining discounts can be over 43% with Eazydiner 25+25%, so 10% is no big deal
2. Big basket grocery discounts are 12% with Kotak and 20% with in Indusind Pioneer card, so again 10% is no big deal
3. Axis Airtel gives 10% for Swiggy/Zomato food delivery.
BigBasket, Blinkit, Swiggy, Zomato vouchers are also available on Smartbuy giving return of more than 14.5%
 
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Upvote 0 Downvote
drsel said:
1. Dining discounts can be over 43% with Eazydiner 25+25%, so 10% is no big deal
2. Big basket grocery discounts are 12% with Kotak and 20% with in Indusind Pioneer card, so again 10% is no big deal
3. Axis Airtel gives 10% for Swiggy/Zomato food delivery. Swiggy Zomato vouchers are also available on Smartbuy giving return of more than 14%
Click to expand...
The main benefit is getting 10% on in-store purchases for groceries & dining where all these apps aren't supported
 
Upvote 0 Downvote
harshgupta940 said:
The main benefit is getting 10% on in-store tap & pay for groceries & dining where all these apps aren't supported
Click to expand...
For that you have AU Lit 5+5+2.5% return when you activate grocery 5% + bonus 5% + offline 10x points (2.5%)
Activation fee 353 + 353 + 353 for 90 days.
HSBC live+ is 1179 per year

But online groceries at 12--20% discount with free home delivery are much better than offline local grocery stores (except DMart), for these reasons--
1) Free home delivery, so you don't have to carry the heavy weight
2) Cheaper than local grocery stores before the discount and much cheaper after 12--20% discount.
3) crazy cheap deals are available very often on online groceries
4) in offline stores, the customer indirectly pays for the shop rent, electricity, air conditioning and staff salaries.
 
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drsel said:
For that you have AU Lit 5+5+2.5% return when you activate grocery 5% Plus bonus 5% plus offline 10x points or 2.5%
Click to expand...
All those add ons will have cumulative cost of ₹1,059.46 (incl. Gst) per quarter

5% Grocery Add-On: ₹299 per quarter.
5% Retail Add-On: ₹299 per quarter.
10x Points Add-On: ₹299 per quarter


While you get this at 999+GST per year which you get back as welcome benefit it first year and then 2lk fee waiver.


And still:
  • You don't have to always pre plan and pay for add ons
  • You have 10% on dining as well
  • Few more quick commerce apps like Zepto, Blinkit etc. gets you 10% with no additional cards as I know they might have other CC discounts
So if someone is eligible for this Card they must as it solves the purpose of getting multiple cards you mentioned above for one.

I refer to it as everything that goes to your stomach atleast is 10% discounted.

And sometimes some apps gives other stuff on grocery mccs as well 😜
 
Last edited:
Upvote 0 Downvote
drsel said:
1. Dining discounts can be over 43% with Eazydiner 25+25%, so 10% is no big deal
2. Big basket grocery discounts are 12% with Kotak and 20% with in Indusind Pioneer card, so again 10% is no big deal
3. Axis Airtel gives 10% for Swiggy/Zomato food delivery.
BigBasket, Blinkit, Swiggy, Zomato vouchers are also available on Smartbuy giving return of more than 14.5%
Click to expand...

its big deal for those who don't have m4b, pioneer, Infinia (all are super premium cards whereas Live+ basic card like airtel).
 
Upvote 0 Downvote
drsel said:
1. Dining discounts can be over 43% with Eazydiner 25+25%, so 10% is no big deal
2. Big basket grocery discounts are 12% with Kotak and 20% with in Indusind Pioneer card, so again 10% is no big deal
3. Axis Airtel gives 10% for Swiggy/Zomato food delivery.
BigBasket, Blinkit, Swiggy, Zomato vouchers are also available on Smartbuy giving return of more than 14.5%
Click to expand...
But there's no card giving 10% CB on offline grocery (in fact no card gives 10% CB on any offline spending)

There are lot of places in India where there's no big basket/restaurants with eazydiner.

Each card has its value.
 
Upvote 0 Downvote
Sriim said:
But there's no card giving 10% CB on offline grocery (in fact no card gives 10% CB on any offline spending)

There are lot of places in India where there's no big basket/restaurants with eazydiner.

Each card has its value.
Click to expand...
But people who have both INFINIA and Magnus burgundy also cannot get this card, if they are not salaried
 
Upvote -1 Downvote
drsel said:
But people who have both INFINIA and Magnus burgundy also cannot get this card, if they are not salaried
Click to expand...

Yes but you can't compare points with real CB. Even if you are getting extra 6.66% points in infinia via points I would still prefer HSBC because no hassle of vouchers, real cashback which I value more than points, not blocking money for buying excess amount in voucher.

Also HSBC gives Re.1 on Rs. 10 txn so on local shops no need to give a second thought to use upi or cc just tap and be happy.
 
Upvote 1 Downvote
drsel said:
1. Dining discounts can be over 43% with Eazydiner 25+25%, so 10% is no big deal
2. Big basket grocery discounts are 12% with Kotak and 20% with in Indusind Pioneer card, so again 10% is no big deal
3. Axis Airtel gives 10% for Swiggy/Zomato food delivery.
BigBasket, Blinkit, Swiggy, Zomato vouchers are also available on Smartbuy giving return of more than 14.5%
Click to expand...
1. Eazydiner doesn't work everywhere. It also has minimum spend amount for those discounts. HSBC 10% is without any TnC. Most of my dining doesn't happen at fancy expensive restaurants. 10% no strings attached off at local restaurants is still a win.
2. If you have a DMart in your area, please compare how cheaper it is versus any grocery app. 10% off makes it even cheaper. People flock like crazy at Dmart, irrespective of their financial status or being less convenient, because its cheaper. It has cheaper brands. Infact some local grocery shops even get their own supplies at a discount (sometimes even BOGO) from Dmart and resell it at MRP.
3. Valid, Axis Airtel is a no brainer for Airtel customers but, Swiggy and Zomato are way more expensive than say Magicpin, Ola or other ONDC apps. Restaurants put a lower price on ONDC since its way lesser commission. HSBC doesn't restrict you on the app you use.
 
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